If you’ve been injured in an accident, one of the key concerns is how to manage medical bills related to your injuries. At Moore-Faust Law Group, we can help you explore your options for covering these expenses. We will guide you on how to include them as part of your injury claim for damages.

Options for Paying Medical Bills After an Accident

Regardless of who is at fault in the accident, it’s important to check if you have medical payments coverage. This may be available through the vehicle you were in or through your own insurance policy. Medical payments coverage can help pay for medical bills related to your injuries from the collision, up to the limits of your policy.

In addition, your health insurance—whether private, Medicare, Medicaid, Indian Health Services, OYATE, or other plans—can also help cover the cost of medical care after an accident. In addition, we often see clients hesitate to use their health insurance due to concerns that it might reduce their personal injury settlement or complicate the paperwork. Some believe the responsible party’s insurance should cover all medical expenses. However, that’s not always the case.

We are here to assist you with the application process, paperwork, and the complexities of dealing with health insurance, Medicare, Medicaid, OYATE, and medical payments coverage. Moreover, we’ll also help you understand the issue of repayment or subrogation (when insurance companies seek repayment for medical expenses paid on your behalf).

Responsibility for Medical Bills

Even if the other party is at fault for your injuries, you are generally responsible for your medical bills until your personal injury claim is settled. If you have medical payments coverage or health insurance, these providers will typically cover your medical expenses according to their policies. However, they often have the right to seek reimbursement from any settlement you receive for your injury claim (a process known as subrogation).

Additionally, if you don’t have health insurance, we can help you explore other ways to get the medical care you need.

Repayment of Medical Bills

You may still be able to recover damages for medical bills even if they were already paid by your medical payments coverage or health insurance. However, keep in mind that most medical insurance plans have a right to reimbursement, meaning they can require you to pay back the amount they spent on your behalf, from your personal injury settlement.

You can’t be compensated twice for the same medical costs in your settlement. When your auto or health insurance company seeks repayment, you might receive a letter from them or their representatives asking about the responsible party for your injury. We will guide you on how to respond in a way that protects your interests while complying with your policy and legal requirements.

Your insurance policies may also have provisions that allow them to recover costs from your settlement. Healthcare providers like hospitals or ambulances may have liens on your settlement that need to be addressed.

At Moore-Faust Law Group, we work hard to reduce or eliminate the amount you must repay after your settlement. Contact us for a free, no-obligation consultation to learn more about your rights.

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